Plan for Retirement- 13 Tips

  • plan  when how and where you will retire;
  • return a faithful tithe,10% of all your increase;
  • start saving  10% of your salary (better on gross income than on net income);
  • buy Term Life Insurance and invest the rest;
  • join a Superannuation Fund or purchase a Pension Plan;
  • contribute to the National Insurance Fund or similar program;
  • contribute to the National Housing Trustor similar housing savings program;
  • buy Life, Disability  and Dismemberment Insurance;
  • write a Will and make sure your partner does too;
  • stay married, it gets too complicated to split assets when you do not;
  •  keep your job, but if not, do not spend your pension but rather transfer it to another Pension Fund;
  • plan kids’ Education Funding early in their lives;
  • homeschool children to Primary level and invest what you save from fees deferred.

Valentine Blues?

 Image result for free clip art valentines day

Feeling down or blue,unloved even , has this Valentine foolishness got you feeling disappointed? Didn’t get roses or the chocolate today, not even a teddy-bear ?  Image result for free clip art valentines day

Well get up out of that funk! Why? Well, because He loves you so much that He has engraved you on the palms of His hands.

Isaiah 49:14-16 English Standard Version (ESV)
14 But Zion said, (A)“The Lord has forsaken me;
my Lord has forgotten me.”

Image result for picture of Jesus's nail scarred hands

15 (B)“Can a woman forget her nursing child,
that she should have no compassion on the son of her womb?
Even these may forget, yet I will not forget you.

16 Behold, (C) I have engraved you on the palms of my hands; your walls are continually before me.

So fret not yourself my little one ,do not be blue for Jesus is crazy about YOU.

I am a Nervous Wreck, Some Days

via Daily Prompt: Nervous

Just over a month now I made an investment in an online marketing business.

When you are about to dive into the deep blue or face a storm in the middle of nowhere will cause some jittery feelings, perhaps even diarrhea.  Nervousness to the point of shaking, having a fever, chattering of the teeth and yes I mean cold sweat. That has been my experience after doing it.

The way its works is a lot like network marketing, but with a twist.  In the network marketing that I am familiar with, what with having tried out Amway, Symmetry and Herbal Life and failed miserably at all three. The idea is that I would buy into a “franchise” selling a particular product. I would then sponsor others into the same business and they would duplicate what I do. Each sponsor would create a downline network from whose business he/she would profit. Almost in every case, the person at the apex of the group would benefit most. I like network marketing because it involves personal selling so there was no need for me to have a block-and-mortar business. We get to attend lots of events and workshops held in fabulous hotels wherever in the world, we choose to go.

But this current business has a twist. The product we sell is a series of e-learning courses divided into tiers. So depending on how I want to be positioned I have to buy the franchise for that level. I then get trained up to that level. In turn, I market and earn commissions, on sales up to my level. Or, some variation of that idea. I decided to go to an intermediate level. I went to my bank and took a loan to make the purchase. But, I have not been so nervous in my life about it.

All I can think about is what if I do not make enough money every month to pay back my have dogged me for the last couple of weeks. Lord help me! I am a nervous wreck.

Happily Ever After

The title sound like the ending of a fairy tale , does it not? These are the promises made when we took the traditional wedding vows. When we got married we repeated those words , but do we truly commit to stay married till death do we part? Well , I liked fairy tales as a kid didn’t you? 

Let me confess that I have been married to the same “bushy-faced” man for thirty-one years and that counts for something. We have had many challenges in life , as we have grown up together and as we are now growing old together . It has not been all bad though. I asked my husband  , if he were contributing to an article with a title like this , what would he say? He laughed , rested his head in my lap and said ,”This is happily ever after.”

Thirty-one years are someone’s lifetime.We have survived the years of want , many different challenges , raising our son and burying his parents . We have survived the years of not having a home ,  having been put out of a rental apartment. We have survived me having triple strokes and a heart attack . We have survived all of that , but God has been good to us . So here we are joyfully celebrating this “happily ever after”.

Jean Ferris in her book titled  “Twice upon a Marigold” agrees with me : “And they lived happily (aside from a few normal disagreements, misunderstandings, pouts, silent treatments, and unexpected calamities) ever after.”
Jean Ferris, Twice Upon a Marigold

So let me encourage young couples , who do not believe they can bear a few rough spots in their marriages , do not give up. Young men love your wives. Young women respect your husbands. Care for each other , no matter how difficult it might seem . God  created this wonderful institution called marriage and he intended for it to be forever. Live your vows and enjoy your relationships , happily ever after.


Written by Karen Morgan

February 27, 2017

Over forty? You could be blind by sixty unless..

Someone told me  recently that his ophthalmologist told him that by the time he gets to age sixty, he will have glaucoma. That is a scary thought. No-one wants to hear that they might lose their sight.But he said, that it is not in his DNA  and that will not happen to him. Perhaps he is denial, but what do we  really know about glaucoma? This led me to thinking about my own vision issues and the whole idea of age-related eye diseases.

What we should know about Glaucoma

  • Glaucoma often has no early symptoms.
  • People at higher risk need a comprehensive dilated eye examination every 1–2 years.
  • Early detection, treatment and follow-up care are key to preventing vision loss and blindness.
  • Glaucoma is a group of eye diseases that damages the optic nerve. Optic nerve damage is caused by increased pressure from fluid that builds up inside the eye. The amount of pressure that can cause damage varies from person to person. Glaucoma affects peripheral (or side) vision, narrowing the field of vision.
  • Left untreated, glaucoma can cause total vision loss. Glaucoma can affect one or both eyes. The most common form is primary open-angle glaucoma”.( National Eye Institute website)


When I had my fortieth birthday,it seems that very day my vision began to deteriorate.Suddenly my computer screen, fine print in books and  the like became really blurry. You know I panicked and rushed to see my eye doctor, “I think something is wrong with my eyes . I am getting blurs”. To my horror, the gentleman said to me, ” No, you are just getting old”. He further explained to me that I was developing  Age-related  Macular Degeneration or AMD.Since that time, I have had to change my prescription every year.

What is Age-related Macular Degeneration

AMD is a disease that blurs the central part of vision that affect  your ability to do close-up activities like reading, sewing ,using the computer and other similar activities. It is not likely to make you go completely blind ,but it does progress to a point that you may experience blank spots. It may  also cause things to appear less bright than they actually are. If you were to come to my house you would notice that I have installed much brighter light bulbs now than  before, simply because am not seeing that well with light at normal brightness. The video below gives more details. ( National Eye Instutute  website:

Risk Factors for AMD

The risk factors for this disease seem to be related to lifestyle, race, age , family history and genetics. It appears that onset occurs usually after sixty , but it sometimes occurs at younger ages.there appears to be some relationship to family history and genetics. But the research on these is not definitive. However race seems to be a factor, since the occurrence of this disease is greater in Caucasians than in Blacks or Hispanics. Lifestyle ,  as in many other diseases can either make this disease worse or better. Smoking is definitely a worsening factor, whereas good nutrition and a healthy lifestyle and a diet rich in green, leafy vegetables help to reduce the effect,  lengthen the time before onset and reduce the degree to which the  individual is affected.


AMD worsens with certain other diseases such as diabetes and high blood pressure. But the more worrisome problem with diabetes and  your vision is that diabetes can cause worse eye problems which ultimately could cause blindness. Changes in the blood vessels in the retina -retinopathy, cataract and glaucoma are a bad combination and could cause you to go blind.If you are diabetic make sure when you speak with your eye care provider you ask about dilation of the eyes. This is a method eye professional uses to check your eyes for early signs of disease.


Therefore, protect your vision from early in life. Stay healthy and fit and visit your eye doctor regularly.   The world is too beautiful a place to loose sight of.



Written by Karen Morgan


References :




My First Blog Post

I have wanted to write for a long time, but could never find the time (no pun intended).

I can no longer endure the hum-drum of the job, so I will use my precious time to do what I love-write. I spent fifteen years  of my working life selling life insurance and advising my prospective clients and customers about the importance of savings and investment to secure the future for themselves and their children.I learned an awful lot about people-their pains, their fears and their triumphs.

My blogs will be about people’s lives, especially my own. No subject is out of bounds I will write about anything and everything .  Experience is one heck of a teacher and after many ups and downs in the journey through this Earth, my heart is heavy with emotional and spiritual burdens . I will seek to unload much of it as I write,some of you may find a chord with what i have to say.  Enjoy!


Plight of over 50 women who want to marry

What do you do when you meet someone you want to be married to but you or he is not eligible to marry? This piece examines the plight of single Adventist women over 50 who are seeking mates.

I have met dozens of single women in the Adventist church who are not happy with their status. Being a woman over fifty myself, I certainly understand how lonely it can become when your children are grown and have flown the coop, never mind that I  have been married for many years. Do you find yourself talking to the television and answering back? You might be one who pursued career before family and  having self-actualised in terms of  your status and positioning in life, your maternal or your nurturing instincts kick in and your realise that time is short.  It may even be too far gone for maternity, but you still want a companion or a lover.

So you start to look for a mate and find that it is rather more difficult than you anticipated. It becomes frighteningly obvious that most of the available men or you yourself are divorced. The stark reality suddenly bares its teeth- you cannot marry  him lest you face  the risk of committing, what I would like to call, “biblical” adultery.

Based upon what the Holy Bible teaches about adultery a person who is divorced cannot remarry.The dilemma of the older woman is that most of the single men in her age group are not really eligible, because of this teaching. This would so because it is very hard to find a man that age who has never been married. My dears friends what to do?

Christ himself, in answering his followers questioning about adultery, explains that while the Mosaic law was compromising in allowing  divorce to take place for various reasons, it was because of the hardness of heart of the people back then. But in his day,he says divorce is only allowed on a single basis- sexual immorality or in other words unfaithfulness- on the parts of either party. He even goes further, as to say that if a man commits adultery and then marries a woman, he forces her to be an adulterer, herself.

The other issue that the older woman has in the Church is that Adventists  should not marry outside of the Faith. This teaching is not to be taken lightly, because of the seriousness of the man’s role in a family. He is the head of the woman, as Christ is the head of the church. It means therefore, that he is the priest and the leader in  the home.If he is to do well in that role then he has to be a believer in the Word and he must be a firmly committed follower of Christ. so if a sister feels so constrained to look outside of the Church for a mate she is likely to be dis-fellowshipped.

There are situations where women (and men) have gone outside of the faith, found spouses and then come back into the faith. But this seems to me to be a rather dangerous and presumptuous practice. Where is the line drawn between obedience to God’s teachings for your own salvation and a husband? What happens when the romance is over and reality sets in?  Does he/she edge back out of the faith and lose his/her soul? This has occurred I am sure on many occasions. But it begs the question is marriage that important. What is is worth to gain the whole world and lose your soul?

Singleness is believed to be  a God-ordained. The Bible says that God has a special work for the single person to do . Whilst a married  woman is committed to her husband, a single woman is more committed to God, so she will be given special responsibilities to perform for the Lord. But is marriage that important, or is God’s work of greatest import?

This subject matter can be a very testy one. This debate around the subject of marriage led to a heated argument, among some single women around the  subject drawing emotional fire. Some of them were upset that they do want someone but have not met the right one  within the constraints of the Church. Some even complained about how unfair it appears to be in such a predicament. But is marriage that important, or is salvation worth much more?

The conclusion seems to be that you ought to be contented with your status;if you are married, stay married; if you are single stay single. Consider  singleness, as practice for the heavenly realm, in which  Christ declares that we will all be like the angels. There is no marriage in heaven, no sex, neither male nor female.

By: Karen V.Morgan